| AGE_LIMIT_OUT_OF_RANGE | The person contravenes the age limit applicable to the section of the policy claimed under - eg: maybe over age |
| CIRCUMSTANCE_NOT_COVERED | The circumstances giving rise to the claim mean that the claim is not covered under the terms of the policy |
| CLAIM_WITHIN_EXCESS_AMOUNT | The amount of the claim after any deductions is within the excess amount applicable to the claim |
| DURATION_OF_DELAY_BELOW_THRESHOLD | The duration of the delay incurred is below the threshold before which the customer becomes eligible for cover - eg: person has to be delayed 6 hours and the delay is only 4 hours |
| ELECTIVE_TREATMENT_TRAVEL | The reason for travel was for an elective treatment (A therapy or surgical procedure not requiring immediate attention and therefore planned for the patient's or provider's convenience) |
| INCOMPLETE_MEDICAL_SCREENING | Some policies allow customers to declare existing medical condition to the insurance company so that they can be covered in the event of the claim. This exclusion is used where the customers declaration is not accurate and is therefore incomplete |
| ITEM_NOT_COVERED | The item claimed is not covered - eg: painting |
| ITEM_NOT_ON_PERSON_OR_IN_SAFE | The claim is for items that were not on the person / in a safe at the time of the theft / loss |
| NO_LOSS_OF_LIMB_OR_SIGHT | The claim is for Personal Accident / Travel Accident and there is no loss of sight / Limb |
| NO_PERMANENT_DISABLEMENT | The claim is for Personal Accident / Travel Accident and the person is not classed as permanently disabled |
| NO_PROOF_OF_CLAIM_PROVIDED | Customer has not provided documentation to support the claim |
| NO_REPORT_PROVIDED | Customer has not provided a report to support the claim eg: police, medical |
| PERSON_NOT_INSURED | The claim relates to someone who is not an insured person - eg: a child who is over 18 years of age |
| PRE_EXISTING_MEDICAL_CONDITIONS_NOT_COVERED | The claim is due to Pre-exisitng medical conditions and not covered |
| PUSHED_AWAY_TO_ANOTHER_INSURER | The claim has been pushed away to another entity - eg: private Medical Insured / Airline |
| SPORT_OR_ACTIVITY_NOT_COVERED | The claim is due to a sport or activity that is not covered under the policy terms - eg: banana boating |
| TRIP_DURATION_LIMIT_OUT_OF_RANGE | The policy covers trips of maximum 21 days duration and the incident occurred on the 23rd day |
| TRIP_NOT_BOOKED_ON_CARD | The customer has not booked the trip on their card as required by the insurance contract |
| TRIP_OUTSIDE_COVERAGE_AREA | The claim is outside the geographical scope of coverage offered by the policy - eg: customer has a European policy and the claim is for costs in the US |
| TRIP_WITHIN_HOME_COUNTRY | The claim relates to a trip within the customers home area and is not covered under the terms of the policy |
| UNNECESSARY_RISK_TAKEN | The circumstances giving rise to the claim are as a result of the customer taking unnecessary risks - eg: jumping off a cliff into water |
| VALUABLES_IN_CHECKED_IN_LUGGAGE | The claim is for valuable items as defined by the policy that were in the care of the airline (checked in luggage) when the loss occurred. |
| VALUABLES_UNATTENDED | The claim is for valuable items as defined by the policy that were unattended when the loss occurred. |